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    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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Can anyone help me, my brother died about 6 weeks ago, he did not leave a will he had a house with a mortgage on it and also a secured loan which he took out 3 years ago with swift advances the loan was for £8.000 and now 3 years later they want £21,000 to end it or thay will repossess the house, my parents live in the house and have done for several years, He was registered disabled so do you think it has been mis-sold, I am hoping to buy the house so my parents can continue to live there but I can not afford to pay off the secured loan, can anyone help.

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Were there any PPI insurances attached to the loan ?


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Do you have a copy of the agreement with Swift and if so can you scan and post on here - make sure you blank out any personal information i.e. name & address, agreement number etc. so that you can't be identified. Those who are experienced in enforceability of agreements can then look it over and advise you further.


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Do you have a copy of the agreement with Swift and if so can you scan and post on here - make sure you blank out any personal information i.e. name & address, agreement number etc. so that you can't be identified. Those who are experienced in enforceability of agreements can then look it over and advise you further.

 

I will try and do it if I can

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